It depends entirely on the lender. Most of my large medical bills end up going to a debt collector and they tend to 2-3 times a day per collector. But, they're

It depends entirely on the lender. Most of my large medical bills end up going to a debt collector and they tend to 2-3 times a day per collector. But, they're not jerks on the phone at least, and try to setup a payment plan. However, I had one MRI that was ~$2000 (typical) and after ~6 months they lowered it to like $400-600. That's the only time any medical provider cut me a deal. Oh, actually, one debt collector gave me a large discount for paying it all in a one-time payment. But I've never had someone simply "not" attempt to collect their debt.